Limited company ownership is more and more shaping the buy-to-let mortgage market, in line with a report from Pegasus Insight.
The Landlord Trends Research Report Q2 2025, discovered 20% of landlords have integrated with 7% holding their whole rental portfolio in a restricted company. An additional 13% function a mixture of personally and company-held properties.
The examine, relies on 794 on-line interviews with members of the National Residential Landlords Association (NRLA).
The report exhibits that the typical proportion of a restricted company landlord’s portfolio held this manner has risen sharply—from 36% in Q1 2020 to 74% in Q2 2025. Most new purchases are actually made by integrated automobiles, significantly amongst portfolio landlords with 4 or extra buy-to-let mortgages, 34% of whom maintain not less than one property in a restricted company.
Tax effectivity remains the primary driver, in line with the analysis, with regulation and the forthcoming Renters’ Rights Bill (RRB) prompting many to extend rents and rethink new funding.
However, Pegasus Insight says consciousness of specialist restricted company lenders remains comparatively low.
Pegasus Insight founder and director Mark Long says: “Limited company ownership has shifted from area of interest to mainstream in buy-to-let. Portfolio landlords, who are sometimes higher-rate taxpayers, discover the mannequin particularly engaging—and they’re sometimes probably the most energetic debtors. That makes them a essential viewers for lenders and brokers.
“But our analysis exhibits that consciousness of the restricted company mortgage market continues to be patchy. Many landlords don’t know which lenders function on this house or the breadth of merchandise accessible.
“For advisers, that’s each a problem and a chance. With incorporation gaining traction, lenders can elevate their visibility and brokers can add actual worth by serving to purchasers navigate restricted company borrowing—with out straying into tax recommendation. Ensuring landlords are properly supported shall be very important to sustaining buy-to-let exercise within the years forward.”
